There’s a difference between placement and credit.
You may not get credit but you’ll get placement, which means you’ll likely start taking graduate courses sophomore year in your key subjects and will be involved in research very early on. You’ll have graduate credentials - and your transcripts, research record, and recommendations will make that clear - and will thus be able to choose basically any PHD program you’re interested in, and will be able to pass comps quickly and spend all your fellowship time on research. 
It’s MUCH better to do that than to hurry through undergraduate years: even though intellectually you’ll be in graduate school, you’ll be surounded by peers - do not kid yourself, you won’t be the smartest kid in the room*- who’ll help you grow socially and psychologically, two dimensions that are very important.
You DON’T want “to finish at UF” - you want to continue challenging yourself and grow. Find peers, not among graduate students, but among undergraduates. UF was satisfactory for high school. Now, you need to find what for you will be a COLLEGE that’ll be equally satisfactory for you intellectually. (By this I mean that you used UF, a top flagship, as a high school. So you need to step up your game to find a college that’ll really be a college compared to what served as your high school. As someone pointed out, classes aren’t all created equal. I’m sure you understand there’s a gap between what’s taught in calc 1 at UF and calc1 at a community college. Well, expect the same gap between UF and MIT… or larger. I have a feeling you’d thrive when pushed a bit farther than currently).
Do you know your EFC? How much can your parents pay per year (if anything)?
Have you run the NPC on any college?
Stanford will be tuition-free for a family of up to 125K income. HYP will have cheaper COA than attending your state university for this income level. Up to 75K you get the equivalent of a free ride. Up to 180-225K income and you still get financial aid.
Clearing up the financial aid situation would be an important point.
BTW, look into CCS at UCSB: it’s basically a graduate school for undergraduates. HUGE downside: I don’t know whether you qualify for merit aid (there’s a loophole in the UC policy of no financial aid for OOS applicants, specifically for cases like yours).
Also look into Cambridge or Oxford, and Imperial, as both would allow to hyperfocus on your area of interest and graduate in 3 years. However they’re much less flexible than HYPSM with placement and course progression.
CalTech, CMU, and HarveyMudd may be other good places for you.
And, yes, you better work on your test scores.
Prep seriously because based on your current record you should be higher than that. You have credentials that make a 34 pretty reachable and you shouldn’t be satisfied with a 30 obtained in 10th grade (even if it’s really impressive for 1Oth grade ).
Do you have subject tests?
- have you watched the film x+y ? :)